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Q: Hi, I searched all over the internet for an active link of the Chase American Airlines credit card and couldn't find one. How did you guys manage to get this card?
A: Ha ha... There's (currently) no co-branded Chase AA credit card, this thread is discussing 'Chase Adverse Action'. As a general rule, AA refers to 'American Airlines', while A/A refers to 'Adverse Action'.

Q: What does Chase A/A look like? Can I do something to prevent that from happening? And once I'm hit, is there anything I can do to get back in the game?
A: To better address all the questions and concerns, we'll divide it in three sections:

1) What Are The Triggers?
2) What Happens?
3) How To Get Back

What Are The Triggers?

Basically, there are two possibilities that might trigger a Chase A/A:
Credit Related Risk
-Opening too many new cards in a short period of time, (even from other banks, and even being added as an additional user is considered as opening a new account, even a spike in your total CL even from being  additional user has been a trigger for many people - Dec 2013);
-A sudden excessive use of your cards;
-Maxing out your available credit limit.
-Buying large amounts of Chase GC (most people didn't have problems but lately some people are getting shut down for this).
Of course, there is no general rule with these things, it mostly varies by your particular credit file and worthiness.

Perk Abuse
-Transferring Ultimate Rewards points to someone else's account other than your spouse or domestic partner;
 both, the sender and the recipient, are at risk of A/A.
-Abuse of the 5% cashback bonus on the AARP card.

What Happens?

Q: What does a Chase A/A look like? How do I know whether I was shut down or not?
A: If you can't access your online account on chase.com, this is not A/A.
    When you encounter such a thing it could be because 1) the website is undergoing maintenance - wait till the site is back up; 2) a sever error - try using
    different browser
; 3) you didn't log in to your account for a while - call the number on the back of your card; 4) a security concern (resulted by a large QuickPay
    transfer or similar - call the number on the back of your card.
    When you get hit by A/A, you'll see a message above your account "Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to
    make monthly payments by the due date."; your card will no longer work; and within 7 days you'll receive a letter in the mail notifying you of the closure and the reason to it.
Q: Do they close down all my cards or just one?
A: If your shutdown was a result of 'credit related risk', they usually close all your credit card accounts, while with 'perk abusers' they used to shut down all of your cards (April '12), but lately, it is limited to the accounts involved in the abuse.
Q: Do they shut down other accounts such as checking, savings or investment accounts?
A: Lately people are reporting getting their checking account closed when getting A/A'd.
Q: Once my card is closed, can I still access my points?
A: Again there's a difference whats the reason your account was closed. Ironically, if its because of 'credit risk', your points will be forfeited, (and that used to be the case with 'perk abusers' during the April '12 A/A wave), but if its because of 'perk abuse', you'll get a certain amount of time (from 2 to 90 days - as specified on your letter) to transfer or redeem your points.

How To Get Back

Q: Once one was shut down, is there any point of calling  customer service or any other department and try to convince them to reopen the closed accounts?
A: If your account was closed due to 'perk abuse' there is -almost- no way to convince them to reopen it (unless there was an error, and you really didn't commit any violations of the
     terms and conditions).
     But if your account was closed for credit related reasons, you might have luck by calling the executive dept. 1888-622-7547 and trying to explain them why it might've looked like your at risk of default, but in fact, there is nothing to worry about. But of course YMMV with this.
Q: Can I apply for a new credit card after my accounts were closed?
A: Yes. There are a multiple reports of people being approved for a new Chase card after waiting a few months and applying again. But some were not that lucky, and some had their new accounts closed a few days after approval.
« Last edited by Iz on March 22, 2017, 11:26:51 PM »

Poll

Have You Been A/A'ed?

Yes, I've Been Shut Down And Received 1 Cent Per Point :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.4%)
No (Bli Ayin Horah)
437 (73.4%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
64 (10.8%)

Total Members Voted: 593

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1104946 times)

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7035 on: August 04, 2018, 10:57:22 PM »
There isn't anything they can do now so why not?
correct, unless he hopes to try to cfpb, executive office prob better not to.
To avoid criticism say nothing, do nothing, be nothing.


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Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7036 on: August 05, 2018, 11:51:59 AM »
I just got the latter from chase and  it says reason for closing is unexpected activity you conducted on this or anther chase account.  Do i still have a chance or wasting time ?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7037 on: August 05, 2018, 12:51:05 PM »
I just got the latter from chase and  it says reason for closing is unexpected activity you conducted on this or anther chase account.  Do i still have a chance or wasting time ?
That one's a tricky one, usually not a huge shot, but might as well try.
To avoid criticism say nothing, do nothing, be nothing.


― Aristotle

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7038 on: August 05, 2018, 12:53:58 PM »
That one's a tricky one, usually not a huge shot, but might as well try.
I have no idea what i did wrong ?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7039 on: August 05, 2018, 01:12:48 PM »
I have no idea what i did wrong ?
then definitely try.
To avoid criticism say nothing, do nothing, be nothing.


― Aristotle

Offline ludmila

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7040 on: August 05, 2018, 08:54:14 PM »
I have no idea what i did wrong ?
Call and try to find out what is the unexpected activity!!! The least they can do is provide you with a good reason.
I was the Best,still the Best, and will always be the Best.
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Offline Savingsbeast

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7041 on: August 17, 2018, 02:32:42 PM »
Which number do I call to ask chase to have my CC reinstated?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7042 on: August 17, 2018, 05:00:12 PM »
Which number do I call to ask chase to have my CC reinstated?
There is no special #, some however can be more helpful then others, E.G. the ritz #
To avoid criticism say nothing, do nothing, be nothing.


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Offline YosefG

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7043 on: August 20, 2018, 11:07:34 AM »
Hi All, long-time reader here, and wanted to get your thoughts on the below. I do all my banking with Chase and put like monthly $3k-4k real spend on Freedom unlimited (33k CL), $450 on CIP (15k CL), and like $500 on freedom (20k CL) (5x categories only). I recently got an ink cash for the bonus (6k CL) and like the idea of getting 7.5% back (after the 1.5% CSR bonus on the chase travel website) on all my everyday spend instead of the 2.25% on freedom unlimited I'm currently getting. I open one or two new credit cards for the bonus around around every 6 to 9 months. My other chase card is a southwest personal (15k CL) (almost no spend there). Do you think there would be any issue putting $500-750 a month on the ink cash at staples for amazon gift cards (which I would use on Amazon) and then maybe like $1200-1500 in visa or amex gift cards. I would use the visa or amex gift cards for everyday spend (groceries/gas/miscellaneous) and would not do any money orders, cashing out etc. Or would this raise red flags with chase? If yes, will limiting it to amazon gift cards only be a better approach? I don't think I'd use the ink cash for much else except internet and maybe like $100 a month at 7-11. Any thoughts would be greatly appreciated. If you think overall fine, would the type of visa gift card I buy at staples make any difference? For what it's worth I'm also a chase private client and can show real personal income of like $350k and business income of like $10k. Thanks so much in advance!

Offline BP16

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7044 on: August 20, 2018, 01:30:30 PM »
Hi All, long-time reader here, and wanted to get your thoughts on the below. I do all my banking with Chase and put like monthly $3k-4k real spend on Freedom unlimited (33k CL), $450 on CIP (15k CL), and like $500 on freedom (20k CL) (5x categories only). I recently got an ink cash for the bonus (6k CL) and like the idea of getting 7.5% back (after the 1.5% CSR bonus on the chase travel website) on all my everyday spend instead of the 2.25% on freedom unlimited I'm currently getting. I open one or two new credit cards for the bonus around around every 6 to 9 months. My other chase card is a southwest personal (15k CL) (almost no spend there). Do you think there would be any issue putting $500-750 a month on the ink cash at staples for amazon gift cards (which I would use on Amazon) and then maybe like $1200-1500 in visa or amex gift cards. I would use the visa or amex gift cards for everyday spend (groceries/gas/miscellaneous) and would not do any money orders, cashing out etc. Or would this raise red flags with chase? If yes, will limiting it to amazon gift cards only be a better approach? I don't think I'd use the ink cash for much else except internet and maybe like $100 a month at 7-11. Any thoughts would be greatly appreciated. If you think overall fine, would the type of visa gift card I buy at staples make any difference? For what it's worth I'm also a chase private client and can show real personal income of like $350k and business income of like $10k. Thanks so much in advance!
Long time reader you should know the correct thread to post this question

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7045 on: August 20, 2018, 01:53:23 PM »
Hi All, long-time reader here, and wanted to get your thoughts on the below. I do all my banking with Chase and put like monthly $3k-4k real spend on Freedom unlimited (33k CL), $450 on CIP (15k CL), and like $500 on freedom (20k CL) (5x categories only). I recently got an ink cash for the bonus (6k CL) and like the idea of getting 7.5% back (after the 1.5% CSR bonus on the chase travel website) on all my everyday spend instead of the 2.25% on freedom unlimited I'm currently getting. I open one or two new credit cards for the bonus around around every 6 to 9 months. My other chase card is a southwest personal (15k CL) (almost no spend there). Do you think there would be any issue putting $500-750 a month on the ink cash at staples for amazon gift cards (which I would use on Amazon) and then maybe like $1200-1500 in visa or amex gift cards. I would use the visa or amex gift cards for everyday spend (groceries/gas/miscellaneous) and would not do any money orders, cashing out etc. Or would this raise red flags with chase? If yes, will limiting it to amazon gift cards only be a better approach? I don't think I'd use the ink cash for much else except internet and maybe like $100 a month at 7-11. Any thoughts would be greatly appreciated. If you think overall fine, would the type of visa gift card I buy at staples make any difference? For what it's worth I'm also a chase private client and can show real personal income of like $350k and business income of like $10k. Thanks so much in advance!

That's not a crazy amount of spend, I wouldn't be concerned.

Long time reader you should know the correct thread to post this question
If you find a more appropriate thread, please share the link.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline YosefG

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7046 on: August 20, 2018, 04:00:08 PM »
Thank you.

Offline Z56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7047 on: August 21, 2018, 08:35:48 PM »
So another one bites the dust...
Chase closed me down again:(
No luck of getting reopened here

They closed my checking, savings, 2/5 Credit cards

Did anyone have luck getting reopened with a checking account closed?
I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work

Offline S123

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7048 on: August 21, 2018, 08:43:57 PM »
So another one bites the dust...
Chase closed me down again:(
No luck of getting reopened here

They closed my checking, savings, 2/5 Credit cards

Did anyone have luck getting reopened with a checking account closed?
whyd you get shutdown?

Offline Z56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7049 on: August 21, 2018, 08:47:22 PM »
whyd you get shutdown?

No reason given on the letter.

I called them and they said they dont have to give me a reason, so like I have the rights to decide which banks I want to Bank at, they have the rights to decide which customer to do business with...

#nasty customer service
I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work